Car insurance - adding points?

lnr

Hi there

My car insurance is due for renewal. My details are all the same, but my partner has received 3 more points since last time (taking his points up to 5). If I take him off the policy (I don't want him driving my car any more), the premium goes up £70.

If I renew the policy as is, and my partner never drives my car (I was going to tell him he's not on it!) and I therefore don't update them on the number of points he has, is that ok?

i.e. if *I* had an accident in my car, would they go through the policy details with a fine toothcomb, and refuse to pay because my partner (who isn't going to drive it) has more points than on the policy?

Am I making any sense...?

I presume the answer is 'you must not lie on any part of the insurance document', but I'm wondering if he won't be driving or crashing my car nor claiming on my policy, does it matter?

Many thanks if you made it and understood this far!

TadleyBaggie

lnr wrote: »

my partner has received 3 more points since last time (taking his points up to 5)

That can't be right, the minimum number of points for any offence is 3, so I can't see how they were on 2 before the latest 3?

lnr

TadleyBaggie wrote: »

That can't be right, the minimum number of points for any offence is 3, so I can't see how they were on 2 before the latest 3?

I'll double-check - maybe it's 6 he's got then. Either way, he's not driving my car any more, but I don't really want to pay £70 extra to remove him! (crazy premium formula...:mad:)

ripplyuk

If you renew with him still on your policy, you'll have to update the details and tell the insurer how many points he has now. Which might end up increasing the premium.

It does seem odd that it costs money if you remove him. You'd think they'd give you a discount for removing bad drivers.

trailingspouse

When my OH was in this position, I decided to find out how much his second speeding offense was costing us, so I put all the details through a second time, but with only 3 points - it came up as more expensive to have 3 points than to have 6 points... I rang the insurers (Tesco) and asked if he should try to get 9 points? There was a great deal of scurrying.

Quentin

lnr wrote: »

Hi there

My car insurance is due for renewal. My details are all the same, but my partner has received 3 more points since last time (taking his points up to 5). If I take him off the policy (I don't want him driving my car any more), the premium goes up £70.

If I renew the policy as is, and my partner never drives my car (I was going to tell him he's not on it!) and I therefore don't update them on the number of points he has, is that ok?

i.e. if *I* had an accident in my car, would they go through the policy details with a fine toothcomb, and refuse to pay because my partner (who isn't going to drive it) has more points than on the policy?

Am I making any sense...?

I presume the answer is 'you must not lie on any part of the insurance document', but I'm wondering if he won't be driving or crashing my car nor claiming on my policy, does it matter?

Many thanks if you made it and understood this far!

You misunderstand the whole idea of telling insurers the truth!


You breach your policy conditions if you don't notify the points (you may have done so already if they require to be notified immediately of any convictions/points!)


It makes no difference whether or not he drives - you must update your insurer with any changes to named drivers.


If you get found out that you deliberately lied to keep the premium low, then you can expect the policy to be cancelled, any claim rejected and should you get a valid claim against you by a third party expect your insurer to come after you to reimburse all their costs in paying out to the third party (which could be a lot if injury is involved!)

mills705

You usually receive a discount for spouse/common law partners on policies as people who have other dependents presumably have lower risk profile.
When you remove him then you are increasing the risk as it is just you on the policy hence the higher cost.

Depending on how old the other points are it may not make a huge difference to add on the new points.

As Quentin said if they can prove you did not tell them on purpose then voidance could happen and they will settle a TP claim under TP insurance and then claim their costs back from you. Which depending on the claim could be a lot of money.

System

Instead of adding the other half what about adding your parents instead?

lnr

AlexandLauren wrote: »

Instead of adding the other half what about adding your parents instead?

Because my dad is 86, can't imagine that will help :rotfl:

Nasqueron

lnr wrote: »

Because my dad is 86, can't imagine that will help :rotfl:

Does he have a driving license and is he fit to drive?

EmmyLou30

You need to tell them he has the points and see if that increases the premium - if having him on your policy still makes it cheaper than without then keep him on there.....just don't tell him or let him drive! I had my Dad on my policy for years simply because as an additional low risk driver he saved me £15, he never drove my car. Only as a named driver of course, not fronting for me. My husband saves me about £50 too, it's all about the perceived risk as the insurance company sees it.